Reasons Insurance Companies Use to Deny Claims
It is a story that personal injury attorneys hear all too often. A person is involved in an accident of some kind and suffers a severe injury that causes them significant damages. In an attempt to get compensation for these damages, the injured accident victim files a claim with the insurance company only to be outright denied. If you have experienced this, you are absolutely not alone. Insurance companies regularly deny claims and will continue to do so whenever given the opportunity. They will typically do this for a couple of common reasons that plaintiffs should make sure to be aware of if they want to ensure their claim stands as good a chance as possible at recovering them compensation for their injuries.
Consider Dolman Law as Your Personal Injury Attorney
Those that have suffered significant injuries have the right to seek compensation for the damages that they suffered by filing a personal injury claim in the event that the party responsible for the accident caused it with their negligence. Personal injury claims can often prove to be quite complex requiring investigation into the accident, extensive negotiation with the insurance company, and knowledge of the legal process. Insurance companies know the average person may have trouble with some of these things and capitalize on the situation by sometimes outright denying a claim.
Consider hiring an experienced personal injury attorney such as Dolman Law Group. Our lawyers can assist you with your case and send a message to the insurance company that you mean business all while you focus on recovering from your injuries. Don’t let something like a denied claim get in the way of your pursuit of compensation. Dolman Law Group provides free consultations to people in these exact situations. To schedule your free consultation with a Dolman Law Group attorney you can contact our office by filling out an online contact form or calling us at (727) 222-6922.
Insurance Companies and the Bottom Line
One of the most important things to remember when dealing with an insurance company is that their primary objective is not to help you but to make money. If they can do both then they don’t mind but when it comes down to it, Insurance companies are for-profit entities that exist to make money for their shareholders. To do this they employ a variety of resources such as extensive access to many records databases, insurance adjusters, and some tricky language in their policies to ensure they don’t have to pay out any more money than they need to. Whenever an insurance company has an opportunity to not pay money out to someone making a claim they will take it since that means more money in their pocket and higher profits. As many people, unfortunately, find out, this bottom line means that the insurance company can and will deny your claim by exploiting any stipulation in a policy possible. The more common things that an insurance company will use to deny someone’s claim include:
Prior Injuries or Surgeries
In the aftermath of an accident, an insurance company may try to get in contact with you so that they can obtain your authorization to look through your medical records. It is imperative that you do not sign away the privacy of your medical history without talking to a personal injury attorney because insurance companies may try to full unhindered access to your medical history. They will try to do this so that they can find any injuries or surgeries in your past that they can possibly blame as the reason you suffered an injury rather than the accident your claim is about. If the insurance company manages to do this then they might be able to deny your claim and any right you may have to compensation.
Lapses in Time Between Injury and Treatment
If you have suffered an injury because you were involved in an accident of some kind then you should make sure that you seek medical assistance as soon as possible. Not only is this important for your personal health but the longer you wait to seek medical treatment for accident injuries, the more likely an insurance company may deny your claim. When you wait to seek medical assistance after suffering an injury, the insurance company will find out and they will try to make the argument that your injuries may have been caused by another accident that occurred in the intervening time between accident and treatment. It also makes your claim seem much less credible since severe injuries require immediate treatment. The insurance company may reason that since you didn’t seek immediate treatment, then your injuries must not have been that severe.
If an insurance company is able to find out that you have some kind of pre-existing health condition, then they may try to argue that your injuries were caused by a complication of that condition rather than the accident. For example, if you have a pre-existing condition that affects your back, an insurance company would try to argue your back injury was caused by an exacerbation of that condition instead of the accident you were involved in.
Seek an Experienced St. Petersburg Personal Injury Attorney
An insurance company might deny your injury claim for many reasons. The issues that surround this denial of your claim can often prove to be too complicated to handle on your own. At Dolman Law Group, we have the experience to address your claim problems and resolve your case.
Our attorneys have used our firm’s resources to construct winning strategies. We have worked diligently to overcome insurance company denials and recover damages for our injured clients. We welcome the opportunity to determine if we can help you.
Regardless of the path a case takes, we will always aggressively pursue the best possible outcome. Call the Dolman Law Group in St. Petersburg at (727) 222-6922 or fill out an online contact form for a free consultation to learn your rights when seeking compensation through a personal injury claim.
Dolman Law Group
1663 1st Ave S.
St. Petersburg, FL, 33712